Live Online Debt Collection and Credit Management Training
Live online, instructor-led · next cohort Nov 9, 2026 · from USD 1,700
Every unpaid invoice or overdue loan ties up cash that a business or lender needs to operate, and weak recovery practices turn manageable arrears into write-offs. The week starts with the credit cycle and the policy that governs it, covering terms, approval authority, security and documentation. You then assess applicants using financial analysis, credit bureau reports and scoring models, and set limits that balance growth against risk. Receivables control sessions cover ageing analysis, reminder schedules, early arrears intervention and the signs that a customer is heading into difficulty.
Day four develops collection skills: telephone and field techniques, handling objections, negotiating payment plans, restructuring and using third-party agents. The final day reviews legal remedies such as demand letters, court action and realising collateral, alongside ethical and fair collection conduct. You will also track portfolio measures like days sales outstanding, collection effectiveness and non-performing loan ratios. Role plays recreate difficult debtor conversations. Credit controllers, collections officers, loan officers in banks, SACCOs and microfinance institutions, and finance managers will find the material practical and ready to apply.
At a Glance
How Live Online Training Works
Live online training, led by a trainer in real time, for participants anywhere.
More about live online training →- Format
- Live online, instructor-led
- Duration
- Mon - Fri (5 Days)
- Fee
- USD 1,700 (KES 160,000)
- Next start dates
- Nov 9, 2026, Dec 7, 2026, Jan 4, 2027
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
Debt Collection and Credit Management Training provides comprehensive training in specialized financial and banking topics.
Participants develop practical skills through interactive instruction and case studies relevant to modern financial services.
The Debt Collection and Credit Management Training is designed for professionals who need practical, current command of debt collection and credit management and the ability to translate it into measurable organizational results. Because organizations now operate under tighter resource, compliance and reporting pressures, specialist capability in this area has moved from desirable to essential. This certified programme combines proven methodology with hands-on application, covering credit assessment, scoring and limit setting, the credit management cycle and credit policy and the analytical techniques that underpin sound professional judgement.
Throughout the programme, participants work through realistic scenarios drawn from banking institutions, financial services firms, audit practices, and public finance bodies, examining how debt collection and credit management is applied in practice and where it most often breaks down. Delegates will develop practical skill in designing appropriate frameworks, selecting and applying the right tools for credit assessment, scoring and limit setting, interpreting findings, and communicating conclusions clearly to colleagues, management and external stakeholders. Sessions move deliberately from principles to application, so that each technique introduced is practised against a realistic problem before the programme moves on — strengthening both individual effectiveness and the wider capability of the organizations delegates return to.
Training Objectives
By the end of this course, participants will be able to:
- Develop robust debt collection and credit management frameworks that support successful implementation and measurable outcomes.
- Analyze performance using recognized evaluation methods drawn from credit assessment, scoring and limit setting.
- Design practical systems that strengthen accountability, transparency and evidence generation.
- Evaluate outcomes and assess longer-term impact across a range of operating contexts.
- Apply relevant tools, frameworks and analytical methodologies confidently and appropriately.
- Integrate the credit management cycle and credit policy into existing organizational processes and reporting structures.
- Strengthen decision-making and operational effectiveness through evidence-based professional practice.
What you'll learn
Key Takeaways
By the end of the Debt Collection and Credit Management Training, participants will leave with:
- A comprehensive working understanding of debt collection and credit management principles and performance-measurement methodology.
- Enhanced ability to design practical systems and evaluate outcomes reliably.
- Improved competency in debt collection and credit management, reporting structures and analytical interpretation.
- Practical techniques for translating findings into strategic insight and clear recommendations.
- Greater confidence in applying debt collection and credit management and assessing measurable results.
- Stronger capability to support organizational learning and continuous performance improvement.
- Improved approaches to strengthening sustainability, accountability and operational effectiveness.
Training Methodology
This training course adopts a practical, participant-centered learning approach that builds debt collection and credit management expertise, strengthens analytical capability and develops confident professional judgement. The methodology combines specialist facilitation, applied hands-on experience and globally recognized professional practice, so that delegates return able to apply what they have learned immediately rather than in theory only.
Methodology includes:
- Expert-led sessions facilitated by experienced debt collection and credit management practitioners and subject-matter specialists.
- Practical application of the frameworks, tools and techniques used in debt collection and credit management.
- Real-world case studies drawn from banking institutions, financial services firms, audit practices, and public finance bodies.
- Tool-based demonstrations of the systems, templates and reporting applications used in current practice.
- Interactive discussion and scenario-based learning focused on realistic challenges and decision points.
- Structured group exercises with facilitator feedback, reinforcing learning through practice rather than lecture alone.
Day 1: The Credit Management Cycle and Credit Policy
- How credit granting, invoicing, monitoring and recovery connect as one cycle
- Drafting and updating a written credit policy: approval limits, terms, and exceptions
- Cost of credit: days sales outstanding, cash conversion and the price of bad debt
- Roles and segregation of duties between sales, credit and collections
- Key receivables metrics: DSO, ageing buckets, collection effectiveness index, bad debt ratio
- Technology and automation supporting the credit management cycle and credit policy
- Reviewing outcomes and capturing lessons learned
Day 2: Credit Assessment, Scoring and Limit Setting
- Customer onboarding: know-your-customer files, trade references and credit bureau reports
- Analysing financial statements for liquidity, leverage and repayment capacity
- The 5Cs framework and building a practical credit scorecard
- Setting and reviewing credit limits and payment terms by customer segment
- Security and risk mitigation: guarantees, collateral, letters of credit, retention of title
- Decision points and escalation routes in credit assessment, scoring and limit setting
- Resourcing, cost and capacity considerations
Day 3: Receivables Control and Early Arrears Management
- Invoice accuracy, statements, reconciliations and resolving disputed balances
- Designing a collections calendar: reminder cycles, dunning letters and escalation triggers
- Ageing analysis and portfolio segmentation by risk and balance
- Identifying early warning signs of customer distress and delinquency
- Using collections software, dashboards and automated follow-up workflows
- Worked example: applying receivables control and early arrears management in a live debt collection and credit management context
- Planning and sequencing receivables control and early arrears management within the wider workflow
Day 4: Debt Collection Techniques, Negotiation and Recovery
- Structuring the collection call: preparation, questioning, commitment and follow-up
- Handling excuses, stalling tactics, promise-breakers and aggressive debtors
- Negotiating payment plans, settlements, write-downs and restructured terms
- Field visits and third-party collection agencies: briefing, cost and control
- Provisioning, write-off criteria and recovery of previously written-off accounts
- Common challenges, risks and failure points in debt collection techniques, negotiation and recovery
- Documentation, record-keeping and reporting requirements
Day 5: Legal Remedies, Ethics and Portfolio Performance
- Demand notices, statutory limitation periods and the litigation referral decision
- Insolvency, administration and liquidation: proving a claim and creditor priority
- Ethical and fair collection conduct, debtor privacy and data protection duties
- Preventing fraud and collusion in receipting and settlement of arrears
- Building a credit management improvement plan with targets and reporting pack
- Standards, frameworks and good practice governing legal remedies, ethics and portfolio performance
- Practical tools, templates and techniques for legal remedies, ethics and portfolio performance
This intermediate programme in debt collection and credit management suits practitioners who decide who gets credit, on what terms, and how overdue accounts are recovered:
- Credit Controllers and Credit Analysts
- Debt Collection Officers and Recoveries Officers
- Accounts Receivable and Billing Supervisors
- Loan Officers and Relationship Officers in banks, SACCOs and microfinance institutions
- Finance Managers and Treasury staff responsible for working capital
- Legal and compliance officers handling demand notices, settlements and litigation referrals
- Call centre agents and field agents assigned to arrears portfolios
On finishing the five days, delegates receive a Certificate of Completion from Vision Reach Global Consultancy, confirming their competence in credit assessment, receivables control, and lawful, effective debt recovery practice.
The award recognizes full attendance and successful completion of the programme assessment activities. It is widely accepted for continuing professional development purposes, and its authenticity can be confirmed with Vision Reach Global Consultancy at any time.
Choose Where You Want to Learn
Debt Collection and Credit Management Training Venues
KenyaMombasaNext Nov 2· 13 dates$1,600- KenyaNaivashaNext Nov 9· 13 dates$1,500
- KenyaNairobiNext Nov 16· 13 dates$1,500
- KenyaKisumuNext Nov 2· 13 dates$1,500
- KenyaMachakosNext Nov 9· 13 dates$1,600
UgandaKampalaNext Nov 9· 13 dates$1,900
RwandaKigaliNext Nov 2· 13 dates$1,900
South AfricaCape TownNext Nov 2· 13 dates$3,800
TanzaniaZanzibarNext Nov 23· 13 dates$2,600
UAEDubaiNext Nov 2· 13 dates$3,800- South AfricaPretoriaNext Nov 9· 13 dates$3,200
- South AfricaJohannesburgNext Nov 9· 13 dates$3,400
- TanzaniaDodomaNext Nov 2· 13 dates$1,800
- TanzaniaDar es SalaamNext Nov 2· 13 dates$2,000
- TanzaniaArushaNext Nov 16· 13 dates$1,900
NigeriaAbujaNext Nov 16· 13 dates$2,800- NigeriaLagosNext Nov 23· 13 dates$2,800
GhanaAccraNext Nov 23· 13 dates$4,500
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Debt Collection and Credit Management Training
Everything you need to know about this course before you register.
By the end of the Debt Collection and Credit Management Training programme, you'll be able to develop comprehensive expertise in the course subject area, apply practical skills in real-world scenarios, implement industry best practices and standards, and master key techniques and methodologies. The full breakdown of topics is covered session by session in the Course Outline tab above.
This intermediate programme in debt collection and credit management suits practitioners who decide who gets credit, on what terms, and how overdue accounts are recovered: Credit Controllers and Credit Analysts, Debt Collection Officers and Recoveries Officers, Accounts Receivable and Billing Supervisors, Loan Officers and Relationship Officers in banks, SACCOs and microfinance institutions, Finance Managers and Treasury staff responsible for working capital, Legal and compliance officers handling demand notices, settlements and litigation referrals, and Call centre agents and field agents assigned to arrears portfolios.
Debt Collection and Credit Management Training typically runs as 5 Days. It's available as in-person classroom training — every course can also be delivered on-site for your team on dates that suit you.
Debt Collection and Credit Management Training is scheduled in-classroom in Mombasa, Kenya, Naivasha, Kenya, Nairobi, Kenya, and Kisumu, Kenya, and 14 other locations, plus a live interactive virtual classroom you can join from anywhere. Check the schedule panel above for exact upcoming dates and fees in each location.
The next live virtual cohort of Debt Collection and Credit Management Training starts November 9, 2026, with new classroom cohorts also running on a rolling basis. Pick a date and location in the schedule panel above, then click "Register for the Course" — it takes a few minutes and your seat is confirmed once payment or a signed purchase order is received.
Yes — delegates who meet the attendance requirement receive a Certificate of Completion for Debt Collection and Credit Management Training from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Debt Collection and Credit Management Training is pitched at intermediate professionals. If you're unsure whether it's the right fit for your current role or background, message our training advisors before you register and they'll help you confirm.
Fees for Debt Collection and Credit Management Training vary by delivery location and format and are shown in real time in the schedule panel above once you pick a date. Register 3 or more delegates on the same course together and a 5% team discount is applied automatically — larger cohorts can request a custom corporate quote.
Yes — Debt Collection and Credit Management Training can be delivered on-site at your offices (or virtually for distributed teams), with case studies and examples tailored to your industry and the specific challenges your team is working through. Switch to the "In-House" tab in the schedule panel above to request a proposal.
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What Our Clients Say
VRG brings strategic discipline to complex organizational challenges. Their approach is structured, data-driven, and outcome-focused.
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